FHA Home Loans New Jersey

FHA loans have been helping New Jersey residents since 1934 

A licensed New Jersey FHA Lender can offer you a better loan including:

  • Low down payments (if any)

  • Low closing costs

  • Easy credit qualifying

  • 48 hour Streamline Refinancing

How it works:

   Determine the best type of FHA loan that best fits your needs

   Complete an easy 2 minute form

   An FHA Loan Specialist will respond within 1 business day.

   Review with no obligations your loan approval and locked rate. 

           

             Free Online Application

  • As of January 1, 2016, Borrowers can finance 96.5% of the purchase price and put down only 3.5 percent. In some instances, when combined with other types of loans, the down payment can be zero.

  • Allowable refinance up to 115% of your homes value.

  • Let us help roll your closing costs into your loan total.

 

 

New Jersey FHA Lending Limits

 

County Name Single Duplex 3 Unit 4 Unit
ATLANTIC $316,250 $404,850 $489,350 $608,150
   ATLANTIC CITY-HAMMONTON, NJ
BERGEN $636,150 $814,500 $984,525 $1,223,475
   NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
BURLINGTON $379,500 $485,800 $587,250 $729,800
   PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-D
CAMDEN $379,500 $485,800 $587,250 $729,800
   PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-D
CAPE MAY $414,000 $530,000 $640,650 $796,150
   OCEAN CITY, NJ
CUMBERLAND $275,665 $352,950 $426,625 $530,150
   VINELAND-BRIDGETON, NJ
ESSEX $636,150 $814,500 $984,525 $1,223,475
   NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
GLOUCESTER $379,500 $485,800 $587,250 $729,800
   PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-D
HUDSON $636,150 $814,500 $984,525 $1,223,475
   NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
HUNTERDON $636,150 $814,500 $984,525 $1,223,475
   NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
MERCER $345,000 $441,650 $533,850 $663,450
   TRENTON, NJ
MIDDLESEX $636,150 $814,500 $984,525 $1,223,475
   NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
MONMOUTH $636,150 $814,500 $984,525 $1,223,475
   NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
MORRIS $636,150 $814,500 $984,525 $1,223,475
   NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
OCEAN $636,150 $814,500 $984,525 $1,223,475
   NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
PASSAIC $636,150 $814,500 $984,525 $1,223,475
   NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
SALEM $379,500 $485,800 $587,250 $729,800
   PHILADELPHIA-CAMDEN-WILMINGTON, PA-NJ-D
SOMERSET $636,150 $814,500 $984,525 $1,223,475
   NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
SUSSEX $636,150 $814,500 $984,525 $1,223,475
   NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
UNION $636,150 $814,500 $984,525 $1,223,475
   NEW YORK-NEWARK-JERSEY CITY, NY-NJ-PA
WARREN $372,600 $477,000 $576,550 $716,550
   ALLENTOWN-BETHLEHEM-EASTON, PA-NJ

 

 

 
 
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